【问答】中国建设银行个人消费贷款财政贴息政策优化服务客户问答

Core Viewpoint - The article outlines the implementation of a fiscal interest subsidy policy for personal consumption loans and credit card installment payments, aimed at boosting consumer spending and domestic demand in line with central economic directives. Group 1: Policy Execution Period - The fiscal interest subsidy policy for personal consumption loans is effective from September 1, 2025, to December 31, 2026, while the credit card installment subsidy policy runs from January 1, 2026, to December 31, 2026 [1][2]. Group 2: Subsidy Standards - The annual subsidy rate is set at 1 percentage point, with a maximum limit of 50% of the loan contract interest rate. The total annual subsidy cap for customers is 3,000 yuan [2]. Group 3: Handling of Existing Agreements - Existing agreements signed before the policy optimization will automatically adapt to the new subsidy terms starting January 1, 2026, eliminating previous restrictions on minimum amounts and caps on subsidies [3]. Group 4: Application Process - Customers must sign the "Personal Consumption Loan Fiscal Subsidy Service Agreement" to qualify for the subsidy. The bank will automatically identify eligible transactions through its system [4][5]. Group 5: Signing the Subsidy Agreement - New customers can sign the subsidy agreement through the mobile banking app during the loan application process. Existing customers can also sign the agreement through various prompts in the app [6][7]. Group 6: Automatic Recognition of Transactions - The bank's system can automatically recognize eligible transactions made with the loan funds, including POS transactions, online payments, and transfers to merchants [8]. Group 7: Manual Invoice Submission - For transactions not automatically recognized, customers can upload invoices for manual review through the mobile banking app [9][10]. Group 8: Enjoying Subsidy Deductions - Customers will receive subsidy deductions directly from their loan interest during the policy execution period, with notifications sent via SMS or app after each deduction [11]. Group 9: Multiple Installments - Customers can enjoy the fiscal subsidy for multiple installment payments as long as they have remaining subsidy limits within the policy execution period [11].